BYL Bank Group in Orange, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 2001

  • BYL Bank Group in Orange, California (CA)
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BYL Bank Group - Overview

  • General
  • FDIC Certificate #: 23063
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Bank & Trust (#22912)
    Federal Reserve ID: 215363
    Date Established: March 03, 1980
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 14428
    FDIC's unique #: 16152
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 03, 1980
    Last Structure Change Effective Date: October 31, 2001
    Last Structure Change Process Date: November 20, 2001
    Last Data Update: November 20, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 1875 North Tustin Avenue, Orange, CA 92865
    County: Orange
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Orange
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Orange County, CA (#5945)
    Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49)
    Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348)
    Core Based Statistical Area (CBSA): Los Angeles-Long Beach-Santa Ana, CA (#31100)
    CBSA Metro Statistical Area: Los Angeles-Long Beach-Santa Ana, CA (#31100)
    Core Based Statistical Division: Santa Ana-Anaheim-Irvine, CA (#42044)
  • Financial Summary
  • Total assets: $282.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2000)

  • Dollar figures in thousands
  • 220Total employees (full-time equivalent)
  • $285,221Total assets
  • $30,481Cash and due from depository institutions
  • $111Interest-bearing balances
  • $17,660Securities
  • $26,100Federal funds sold & reverse repurchase agreements
  • $185,713Net loans & leases
  • $2,295Loan loss allowance
  • $0Trading account assets
  • $5,770Bank premises and fixed assets
  • $858Other real estate owned
  • $4,088Goodwill and other intangibles
  • $0Life insurance assets
  • $14,551All other assets
  • $285,221Total liabilities and capital
  • $256,942Total liabilities
  • $254,421Total deposits
  • $187,173Interest-bearing deposits
  • $254,421Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $2,521All other liabilities
  • $28,279Total equity capital
  • $28,279Total bank equity capital
  • $28,279Perpetual preferred stock
  • $0Common stock
  • $14,118Surplus
  • $0Undivided profits
  • Memoranda
  • $14,161Noncurrent loans and leases
  • $22,612Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,292Earning assets
  • $0Long-term assets (5+ years)
  • $996Average Assets, year-to-date
  • $229,584Average Assets, quarterly
  • $34,849Volatile liabilities
  • $320,887Insider loans
  • $289,238FHLB advances
  • $38,774Loans and leases held for sale
  • $1,816Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $22,439Total risk weighted assets
  • $22,612Total unused commitments
  • $0Restructured Loans and leases
  • $2,295Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $28,576Total interest income
  • $10,267Total interest expense
  • $18,309Net interest income
  • $600Provision for loan and lease losses
  • $17,816Total noninterest income
  • $0Fiduciary activities
  • $703Service charges on deposit accounts
  • $0Trading account gains & fees
  • $17,113Additional noninterest income
  • $32,689Total noninterest expense
  • $17,111Salaries and employee benefits
  • $4,369Premises and equipment expense
  • $11,209Additional noninterest expense
  • $2,836Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,151Applicable income taxes
  • $1,685Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,685Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $915Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 11.15%Yield on earning assets
  • 4.01%Cost of funding earning assets
  • 7.14%Net interest margin
  • 6.95%Noninterest income to earning assets
  • 12.75%Noninterest expense to earning assets
  • 0.53%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.88%Pretax return on assets
  • 6.06%Return on equity (ROE)
  • 6.06%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 65.57%Credit loss provision to net charge-offs
  • 3.76%Efficiency ratio
  • 90,154Assets per employee
  • 1.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 177.63%Noncurrent assets plus other real estate owned to assets
  • 0.75%Noncurrent loans to loans
  • 0.69%Net loans and leases to deposits
  • 72.99%Net loans and leases to core deposits
  • 86.12%Equity capital to assets
  • 9.91%Core capital (leverage) ratio
  • 9.36%Tier 1 risk-based capital ratio
  • 9.30%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $320,887Average earning assets
  • $27,783Average equity
  • $256,285Average loans

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